High Yield Deposit Account
EARN UP TO
Certificate of Deposit (CD)
EARN UP TO
We have your best interest in mind.
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Member-owners of Dow Credit Union take pride in:
- $0 NSF fees (no, that’s not a typo)
- Being the largest and fastest growing credit union*
- Achieving national recognition from the Wall Street Journal and Newsweek
- Delivering the best deposit rates of any credit union*
- Giving back over $300 million to members since 1980**
- Supporting communities as Multipliers for Good
Join our network of over 80,000 members across all 50 states and 40 countries!
*Based in the Great Lakes Bay Region. **While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.
Want to Talk to Us Directly?
Our team can help! Contact us to learn more about membership and our products and services.
Visit us in Midland
600 E Lyon, Midland, MI 48640
7:30 a.m. – 5:30 p.m. ET
Monday through Friday
Visit us in Saginaw
5420 Gratiot, Saginaw, MI 48638
9:00 a.m. – 5:00 p.m. ET
Monday through Friday
Call Us
1.800.835.7794
Explore your options
Savings Accounts
We offer a wide variety of Savings Account options to help you achieve more of your financial goals. Most of our Savings Accounts qualify for our unique Member Giveback, which rewards members for saving and borrowing with us.3,5
Certificates of Deposit (CDs)
Our CDs offer superior rates, have convenient features and options, and are available in a variety of terms. Most of our CDs qualify for our unique Member Giveback, which rewards members for saving and borrowing with us.3,5
Membership eligibility required. To become a member of the credit union, you must complete an appropriate application and open a Prime Share Savings Account with a $5 minimum balance.
1APY = annual percentage yield. Advertised APYs are subject to change.
2Advertised “earn up to” APY of 3.51% is for a Simple High Yield Deposit Account with a $150,000+ balance and is accurate as of 10/01/2024.
3Our Simple High Yield Deposit Accounts and Simple CDs are not eligible for Member Giveback rebates and rewards. See disclosure 7 for Member Giveback details.
4Advertised “earn up to” APY of 4.30% is for a 3-month Simple CD and is accurate as of 04/08/2025. For CDs, any advertised APY assumes principal and interest remain on deposit for the term of the certificate. A penalty for early withdrawal may be imposed and could reduce earnings on a CD account, including reduction of principal. Starting minimum deposit for all Dow Credit Union CDs is $500.
5While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply. Our Premium High Yield Deposit Accounts, Prime Savings Accounts, Secondary Savings Accounts, Club Accounts, Standard CDs, Bump Rate CDs, Youth CDs and Health Savings Account CDs all are eligible for the Member Saver Reward as part of the Member Giveback. Simple High Yield Deposit Accounts and Simple CDs are not eligible.